Abstract
This paper aims to clarify the impact of the credit for the expenditure of poor households in Vietnam. We have used Difference in Difference (DID) methods to estimate the panel data from Vietnam Living Standard Survey (VLSS) for the period of 2010-2012. The results showed that the credit has a positive influence to the average expenditure of the poor households, whether in formal credit or informal credit. However, informal credit is still a very important source of credit for poor households in Vietnam because it increases expenditure of poor households higher than formal credit. In addition, research also found significant effects of some factors such as regional, ethnicity, education level, household size to expenditures.
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